Method and system for post-loan risk monitoring
A monitoring system and risk technology, applied in instruments, finance, data processing applications, etc., can solve the problems of non-standard internal management, high labor cost, and information disclosure asymmetry in small, medium and micro enterprises, and achieve reasonable design structure and real-time solutions. sexual effect
Inactive Publication Date: 2018-12-18
南京辰阔网络科技有限公司 +1
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Problems solved by technology
[0003] At present, the internal management of most small, medium and micro enterprises in my country is not standardized, information disclosure is asymmetric, and financial statements and other information are difficult to reflect the real situation.
[0004] For the post-loan risk management of micro, small and medium-sized enterprises, banks and other financial institutions still use traditional manual investigation methods to identify risks, resulting in high labor costs, and it is also difficult to identify risks in a timely, comprehensive and accurate manner. An automated system is urgently needed for efficient management Post-loan risk
Method used
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[0026] Such as figure 1 , figure 2 , image 3 , Figure 5 and Figure 6 A post-loan risk monitoring method shown includes the following steps: the post-loan risk monitoring system enters the basic information of the borrower; the post-loan risk monitoring system collects the borrower's billing behavior in real time; the post-loan risk monitoring system transmits the collected information to the background in real time Server; the post-loan risk monitoring system cleans the borrower’s billing behavior information, uses big data technology to analyze and model, identifies the borrower’s operational risks, and performs early warning ratings on risks; the post-loan risk monitoring system notifies the lender of the post-loan risk early warning; the lender will investigate The results are fed back to the risk monitoring system; the risk monitoring system corrects the characteristics of the enterprise's billing behavior.
[0027]Further preferably, in the entry of the borrower's...
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The invention belongs to the technical field of financial risk prevention and application, and specifically discloses a method for post-loan risk monitoring, comprising the following steps: a post-loan risk monitoring system inputs basic information of a debtor; after the loan risk monitoring system real-time collection of debit invoicing behavior; after the loan, the risk monitoring system transmits the collected information to the background server in real time; after the loan risk monitoring system cleans the debtor invoicing behavior information, using the big data technology to analyze the modeling, identifying the debtor's operation risk, and carrying on the early warning rating to the risk; the post-loan risk monitoring system notifying the creditors of the post-loan risk early warning; the lender feeding back the survey results to the risk monitoring system; the risk monitoring system revises the characteristics of invoicing behavior of the enterprise. The invention has the beneficial effects that the design structure is reasonable, the enterprise operation anomaly is found in time through real-time collecting the invoicing behavior of the debtor and adopting big data modeling analysis, and the real-time, effectiveness and accuracy of the risk monitoring after the loan are solved.
Description
technical field [0001] The invention belongs to the technical field of financial risk prevention and application, and in particular relates to a method and system for post-loan risk monitoring. Background technique [0002] Small, medium and micro enterprises play a vital role in supporting innovation and entrepreneurship, adjusting the economic structure, and ensuring employment and people's livelihood; the Chinese government encourages banks and other financial institutions to support small, medium and micro enterprises, serve the real economy, and prevent and resolve major risks. [0003] At present, the internal management of most small, medium and micro enterprises in my country is not standardized, information disclosure is asymmetric, and financial statements and other materials are difficult to reflect the real situation. [0004] For the post-loan risk management of micro, small and medium-sized enterprises, banks and other financial institutions still use tradition...
Claims
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Login to View More IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 朱俊
Owner 南京辰阔网络科技有限公司